Nidaros Sparebank Income Statement

Financials in millions NOK. Fiscal year is January - December.

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	251.56	250.07	250.28	203.21	129.09	95.33
Interest Income on Investments	32.88	27.57	27.05	23.31	14.09	9.72
Total Interest Income	284.44	277.64	277.33	226.52	143.18	105.05
Interest Paid on Deposits	169.23	162.98	162.21	111.9	49.79	26.67
Total Interest Expense	169.23	162.98	162.21	111.9	49.79	26.67
Net Interest Income	115.21	114.66	115.13	114.62	93.39	78.38
Net Interest Income Growth (YoY)	0.48%	-0.40%	0.44%	22.73%	19.15%	-0.05%
Gain (Loss) on Sale of Investments	6.74	6.96	6.77	2.54	-1.97	0.06
Other Non-Interest Income	21.03	19.03	16.36	11.81	10.63	16.55
Total Non-Interest Income	27.77	25.98	23.13	14.36	8.66	16.61
Non-Interest Income Growth (YoY)	20.67%	12.34%	61.10%	65.75%	-47.86%	2.00%
Revenues Before Loan Losses	142.98	140.65	138.26	128.98	102.05	94.99
Provision for Loan Losses	-1.59	-2.64	5.43	4.8	3.35	-4.29
Revenue	144.56	143.29	132.83	124.18	98.7	99.28
Revenue Growth (YoY)	8.83%	7.88%	6.96%	25.82%	-0.59%	11.11%
Salaries and Employee Benefits	45.3	43.88	44.98	38.68	32.88	30.37
Occupancy Expenses	3.44	3.51	3.21	4.11	2.74	2.24
Selling, General & Administrative	2.97	2.97	3.78	2.96	1.03	2.71
Other Non-Interest Expense	45.07	39.26	37.61	36.11	27.79	28.69
Total Non-Interest Expense	96.78	89.61	89.57	81.86	64.43	64.01
EBT Excluding Unusual Items	47.78	53.67	43.26	42.32	34.27	35.27
Pretax Income	47.78	53.67	43.26	42.32	34.27	35.27
Income Tax Expense	9.14	10.22	8.27	8.94	7.14	7.52
Net Income	38.65	43.46	34.99	33.38	27.13	27.75
Preferred Dividends & Other Adjustments	34.43	34.43	26.7	26.99	20.68	20.68
Net Income to Common	4.22	9.03	8.29	6.39	6.45	7.08
Net Income Growth	16.80%	24.19%	4.83%	23.03%	-2.24%	0.38%
Basic Shares Outstanding	-	1	1	1	1	1
Diluted Shares Outstanding	-	1	1	1	1	1
Shares Change (YoY)	-	-	0.24%	-	-	-0.01%
EPS (Basic)	-	8.00	7.35	5.68	5.73	6.28
EPS (Diluted)	-	8.00	7.35	5.68	5.73	6.28
EPS Growth	-	8.90%	29.39%	-0.88%	-8.83%	1.42%
Dividend Per Share	5.750	5.750	5.870	5.670	8.600	5.860
Dividend Growth	-2.04%	-2.04%	3.53%	-34.07%	46.76%	9.13%
Effective Tax Rate	19.12%	19.03%	19.11%	21.13%	20.83%	21.32%